119th Congress · introduced in the House · Feb 7, 2025
Payment Choice Act of 2025
Official title from Congress.gov
Latest action (Feb 7, 2025): Referred to the House Committee on Financial Services.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Feb 7, 2025)
Payment Choice Act of 2025
This bill requires retail businesses to accept cash as a form of payment for on-site sales of $500 or less and it prohibits them from charging cash-paying customers a higher price compared to customers not paying with cash. Businesses covered by this bill are those engaged in the business of selling or offering goods or services at retail to the public that accept in-person payments at a physical location.
The bill establishes exceptions for this requirement, including by allowing a business to provide a device to provide prepaid cards on site for customers to use as payment. Among other requirements, such a card must not have a fee associated with its use and must not require a minimum payment of more than $1.
The bill provides for enforcement through preventative relief, damages, and civil penalties.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
171 citations; showing the 25 most recently posted.
NATIONAL AUTOMATIC MERCHANDISING ASSOCIATION · lobbying firm or registrant: NATIONAL AUTOMATIC MERCHANDISING ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Minting/Money/Gold Standard
$20,000
Spent on own lobbying
…Act (H.R. 4459), Common Cents Act (H.R. 3074/S. 1525): Bill language provides the Mint authority to change the metal composition of coins. Payment Choice Act (H.R. 1138): cash acceptance mandate.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NCR ATLEOS · lobbying firm or registrant: TROUTMAN STRATEGIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
Issues related to self-service banking technology including H.R. 1631, Safe Access to Cash Act of 2025; H.R. 1138, Payment Choice Act of 2025, the Clarity Act involving issues related to digital asset kiosks; and S. 3798 - Safe Access to Cash Act of 2026; S.2326 - Payment…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL PAWNBROKERS ASSOCIATION · lobbying firm or registrant: CAPCITY ADVOCATES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Paid to lobbying firm
…inancial Integrity and Regulation Management Act. S. 2781,The Protecting Consumers from Unreasonable Credit Rates Act. S. 2326, The Payment Choice Act of 2025. H.R. 1138, The Payment Choice Act of 2025. S. 3793, The Predatory Lending Elimination Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
READY CREDIT · lobbying firm or registrant: TIBER CREEK GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to H.R. 1138/S. 2326 - Payment Choice Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ARMORED CAR ASSOCIATION · lobbying firm or registrant: ULMAN PUBLIC POLICY & FEDERAL RELATIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Banking
Amount not reported
Support for H.R. 1138, the Payment Choice Act of 2025 (H.R. 1138/S.2326) Support for H.R. 3074, the Common Cents Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
NCR ATLEOS · lobbying firm or registrant: CASSIDY & ASSOCIATES, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
Regulatory issues related to self-service banking technology H.R. 1138-The Payment Choice Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NCR ATLEOS · lobbying firm or registrant: NCR ATLEOS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 6, 2026 · issue area: Financial Institutions/Investments/Securities
$80,000
Spent on own lobbying
Regulatory issues related to self-service banking technology. H.R. 1138 and S.2326, The Payment Choice Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SESAMI CORPORATION · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
ROCHESTER ARMORED CAR CO., INC. · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
CENNOX, INC. · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
CRANE PAYMENT INNOVATIONS · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
WESTERN UNION · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
NCR ATLEOS · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONTROLTEK · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$5,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DIEBOLD NIXDORF · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIFTH THIRD BANK · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
LOWERS RISK GROUP · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
Amount not reported
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
G+D CURRENCY TECHOLOGY AMERICA, INC. · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BRINKS, INC. · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
LOOMIS ARMORED US · lobbying firm or registrant: JTI MARKETING & COMMUNICATIONS, INC. DBA JTI, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 12, 2026 · issue area: Banking
$10,000
Paid to lobbying firm
…legal tender to be accepted as payment for purchases of goods and services at brick-and-mortar businesses throughout the United States, and for other purposes. H.R.1138 - Payment Choice Act of 2025 119th Congress (2025-2026) - Introduced in House 02/07/2025 Sponsor: Rep. Rose, John W. [R=TN-6] Committees: House - Financial Aff…
Congress stated in the filing; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL AUTOMATIC MERCHANDISING ASSOCIATION · lobbying firm or registrant: NATIONAL AUTOMATIC MERCHANDISING ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Minting/Money/Gold Standard
$50,000
Spent on own lobbying
…Act (H.R. 4459), Common Cents Act (H.R. 3074/S. 1525): Bill language provides the Mint authority to change the metal composition of coins. Payment Choice Act (H.R. 1138): cash acceptance mandate.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NCR ATLEOS · lobbying firm or registrant: TROUTMAN STRATEGIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
Issues related to self-service banking technology including H.R. 1631, Safe Access to Cash Act of 2025; H.R. 1138, Payment Choice Act of 2025, the Clarity Act involving issues related to digital asset kiosks; and S. 3798 - Safe Access to Cash Act of 2026; S.2326 - Payment…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ARMORED CAR ASSOCIATION · lobbying firm or registrant: ULMAN PUBLIC POLICY & FEDERAL RELATIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
Amount not reported
Support for H.R. 1138, the Payment Choice Act of 2025 (H.R. 1138/S.2326) Support for H.R. 3074, the Common Cents Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
NATIONAL AUTOMATED MERCHANDISING ASSOCIATION · lobbying firm or registrant: PORTER GROUP, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Small Business
$20,000
Paid to lobbying firm
H.R. 1138/S. 2326: Payment Choice Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
READY CREDIT · lobbying firm or registrant: TIBER CREEK GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
Issues related to H.R. 1138/S. 2326 - Payment Choice Act of 2025.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing